I started serious Investing Journey in Jan 2000 to create wealth through long-term investing and short-term trading; but as from April 2013 my Journey in Investing has changed to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

Since 2017 after retiring from full-time job as employee; I am moving towards Investing Nirvana - Freehold Investment Income for Life investing strategy where 100% of investment income from portfolio investment is cashed out to support household expenses i.e. not a single cent of re-investing!

It is 57% (2017 to Aug 2022) to the Land of Investing Nirvana - Freehold Income for Life!

Click to email CW8888 or Email ID : jacobng1@gmail.com

Welcome to Ministry of Wealth!

This blog is authored by an old multi-bagger blue chips stock picker uncle from HDB heartland!

"The market is not your mother. It consists of tough men and women who look for ways to take money away from you instead of pouring milk into your mouth." - Dr. Alexander Elder

"For the things we have to learn before we can do them, we learn by doing them." - Aristotle

It is here where I share with you how I did it! FREE Education in stock market wisdom.

Think Investing as Tug of War - Read more? Click and scroll down

Important Notice and Attention: If you are looking for such ideas; here is the wrong blog to visit.

Value Investing
Dividend/Income Investing
Technical Analysis and Charting
Stock Tips

Saturday, 7 April 2018

Peace Of Mind And Emergency Funds. Really???

Read? Peace Of Mind and Emergency Funds

Peace of mind?

Chun bo?

Emergency fund may help us to avoid selling investment assets during market low at realized losses and locked in permanent losses to fund our living expenses.

When we kept seeing our investment portfolio going down in value -10%, -20%, -30%, -40%, -50% and more. How many retail investors still have peace of mind?

Some of sleepless nights; we could be blaming ourselves for being stupid for not getting out of the market earlier to level up our war chest to buy them cheaper and more.

How to have peace of mind when market crashes into prolong bear market?

You guess or really know?


  1. I guess its up to how strong someone is emotional and whether they stick to their investment strategy.
    Too early for me to say, still havent experienced it yet.

    1. It is not until we feel the depression of losing large amount from years of saving in the market or witness those people close to us chopped their fingers and never touch the market again.

  2. Hi Uncle CW,

    I’m honoured to have a ‘featured post’ haha

    To begin with, I would say that investment is not for the faint hearted people. For people with a weak heart, let’s forget about the -50% from bear market..

    People with weak hearts that is still in the market are those that transfer their hard earned savings to the strong hearted and courgeous ones.

    Like what we say in chinese, One type of rice, many types of people.

    Those that believes in ILPs, those that believes in gold, those that swear to chop their fingers, those that shout around with their massive impressive returns during bull peak, those that are 100% in cash, those that call anyone who touches the market as gamblers.. And the list goes on.

    I’ve yet to see a prolonged big bear in real. But what provides me with a ‘peace of mind’ is the ability to fill my own tummy even when worser things happen in life.

    It may be over simplified. I don’t know.

    Hence, never buy into what a kiddo says :)


Related Posts with Thumbnails